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My Branch: Wyoming

1414 Burton St. SW, Wyoming, MI, 49509

M-Th 9-5 | F 9-6 | S 9-12

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Home Equity Loans

Home Equity Line of Credit 

A Bloom Credit Union Home Equity Line of Credit can provide you with affordable financing anytime you need it.  With a rate as low as the Prime Rate, it has a very competitive interest rate.**  It’s also free of closing costs and you can save up to $75 in annual bank fees!  Get advances to your Bloom checking account anytime by phone or online, or we can provide you with a Visa Card.

  • Make a home improvement (like a new office!)
  • Pay off higher-rate bank loans or credit cards to save money
  • Purchase a new car, boat or RV
  • Pay for college expenses, and more
Institution HELOC Ann'l Fee
Bloom Credit Union Free
Fifth Third Bank $65.00
Huntington Bank $60.00
Macatawa Bank $75.00
Choice One & PNC Bank $50.00
Competitor information gathered via Bloom March 4, 2024 phone survey.  Bloom Credit Union information accurate as of 3/26/2024.

Fixed-Rate Home Equity Loan*

Remodel your home, make a big purchase or consolidate your higher rate bank loan and/or credit card balances into a single, lower-rate loan. Your Bloom Credit Union Financial Solutions Partner can review your particular situation, and show you your best options to save money.  Our Fixed Rate Home Equity Loans begin as low as 7.99% APR!***

Give us a call or stop by your favorite Bloom Credit Union branch. Our Wyoming, Coopersville and Creston offices are open Saturdays from 9am to noon.

*Loans are subject to approval. Minimum term 7 years. Maximum term 10 years.  Property insurance is required, flood insurance, appraisal and $250 loan origination fee may be required. **Home Equity Line of Credit is a variable rate loan tied to Prime. Your APR may rise or fall if the Prime Rate changes but will never be less than 4% or more than 18%. The index is the Prime Rate as published in the Money Rate Table of the Wall Street Journal at month-end plus a margin if applicable. As of 3/26/2024 Home Equity Line of Credit Loans that are up to 80% Loan To Value are currently at the Prime Rate, which is currently 8.50% APR; loans that are 81%-90% Loan To Value are at The Prime Rate plus 2.25. Bloom Credit Union covers all closing costs (except appraisal fees). APR = Annual Percentage Rate. Rates and terms subject to change.  ***This rate applies to a Fixed Rate Home Equity Loan with a loan-to-value of 0-80%; a term from 84-120 months and a minimum loan amount of $15,000.  Longer term and higher LTV options are available.

Current Loan Rates

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Chat with Bloom

Click the button below to use our live chat service and speak with a Financial Solutions Partner.

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Katherine Pell

Katherine Pell

Financial Solutions Assistant Manager

Click to email 616-252-2516 nullTap to text

Kinda Deising

Kinda Deising

Financial Solutions Manager / Wyoming

Click to email 616-252-2511 nullTap to text

Christine Felde

Christine Felde

Financial Solutions Partner

Click to email 616-252-2531 nullTap to text

JoAnn Pugh

JoAnn Pugh

Mortgage Solutions Partner

Click to email 616-452-2161, ext. 2804

JoAnn Pugh

JoAnn Pugh

Mortgage Solutions Partner

Click to email 616-452-2161, ext. 2804

Bill Seniura

Bill Seniura

Vice President of Business Solutions

Click to email 616-252-2515

Stephanie Swem

Stephanie Swem

Financial Solutions Manager/Meadowbrook

Click to email 616-252-2512 nullTap to text

JoAnn Pugh

JoAnn Pugh

Mortgage Solutions Partner

Click to email 616-452-2161, ext. 2804

Bill Seniura

Bill Seniura

Vice President of Business Solutions

Click to email 616-252-2515

Leonard Adams

Leonard Adams

Financial Solutions Manager / Creston

Click to email 616-252-2552 nullTap to text

JoAnn Pugh

JoAnn Pugh

Mortgage Solutions Partner

Click to email 616-452-2161, ext. 2804

Bill Seniura

Bill Seniura

Vice President of Business Solutions

Click to email 616-252-2515

Shannon Murray

Shannon Murray

Financial Solutions Manager/Georgetown

Click to email 616-252-2536 nullTap to text

JoAnn Pugh

JoAnn Pugh

Mortgage Solutions Partner

Click to email 616-452-2161, ext. 2804

Bill Seniura

Bill Seniura

Vice President of Business Solutions

Click to email 616-252-2515

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A better credit card.

Bloom's Platinum Rewards Visa

Cash back option and a well below the national average rate! Instant card issue too.

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Checking That Works!

Feature-Filled

Convenient access options including 30,000 surcharge-free ATMs and our easy-to-use mobile app.

Make The Switch

It's easier than you think.

We’ll guide you through the simple process, and you’ll wish you had done it sooner!

Join Bloom Credit Union today >